Presidents Choice Financial MASTERCARD Consumer Reviews

I usually use my other cards for higher-value purchases for better benefits. The only benefit Master World Elite (MWE) is for a few groceries from buying at your store.

I am a long-standing customer of PC Financial which offered to me this Master World Elite (MWE) card that I did not even apply for.

I just got a letter saying that MWE put in a new rule to downgrade cards when a minimum of $15k/year spending is not met. If I want to get another MWE, I have to reapply. I use my other cards at other stores that offer personal shopping, deliveries, better reward points and exceptional customer services that help during this pandemic. Why would I subject myself to apply for another card especially when it's really only good for your store?

I have called about 8 times now and each time they ask me for more and more information and than say I will be good to activate the next time I call and I call and they transfer me to a specialist. Why they are called specialist? They ask for a bunch of my info and yet my account is still not open. At this point when I call back tomorrow, I'm going to say I don't want to activate it and not worry about it. Because literally, a dog could give me better information. Sorry guys but you do not help at all I have had my card for almost two weeks.

I have had a very frustrating experience over the past few days with PC. I applied and was accepted for a PC MasterCard...the points incentive was very exciting for me as I own a small business and often make large purchases monthly. The card (and sister card for my partner) came in the mail 7 business days after the application was sent, approving me for an available $12,000 credit. I called and activated both cards, made about 4 or 5 purchases over a weekend, and then a final large purchase over $1500 on Monday. On my way home, I went to stop for a coffee and saw my card was declined. Thinking maybe the account had been flagged due to the big purchase, I called to clear up whatever was going on. The representative I spoke with then told me my account had been frozen, and that I needed to pay back half of what was owing on the card (about $1000) and send in a photo of my utility bill and a drivers license to re-activate the account. Now...this has been 3 DAYS of purchases. Not a month. Not a week. 3 DAYS. I asked over and over again WHY this was happening, and she said the application department needed to review my status. A very vague way of saying "we screwed up, and now we need to hold your account and you need to pay the money back". My partner's card was also frozen, which means we both are now left without a credit card for...how long? When I asked how long this process would take to rectify IF I DID pay the $1000 they were requesting, I was told anywhere from 5-7 business days for the documents to be viewed, and another 5-7 business days for the card to be re-activated. Now, as a business, I can assure you that I can't wait around for 3-4 weeks to be able to purchase merchandise and services. This experience has been a horrible hassle, and when my money is paid off, I will be cancelling this card. I've applied for another credit card in the meantime...but I am SOOO unhappy with how they treated me as a new customer, and how unhelpful they were in answering my questions.

I have been waiting for my card since February. I applied for the card because the offer looked good and my supermarket of choice is NoFrills. Even though I sent in my full Proof of Income Statement as soon as I received the request, I heard nothing for 5 weeks. The first time I finally phoned to follow up, they initially said I sent the wrong documents. They checked again with me on the line and said that they were the right documents after all, sorry for the delay and that the team would work on it and call me back. After they didn't call back, I phoned them and they once again told me they would send it to the appropriate team. They did call me back this time and said again I sent the wrong documents. I asked if they could check again and they said that they could not and I could only resend the documents again. It is now approaching 6 weeks and it still does not look like I will get my credit card anytime soon.